ChaseReviews of creditcards.chase.com

Worst user and customer service experience for any card and bank. I thought having to deal with Chase as a bank was bad enough (I was happy to be able to close my father's accounts in 2018 due to their gross incompetence), but I'm stuck with having to deal with them as a credit card issuer due to their relationship with Amazon. Of all of my credit cards, the Chase/Amazon card is the most painful to deal with. The following are some issues that drive me crazy with this card: * Annoying login process: There does not appear to be a way to designate a trusted browser or location for their login process. I don't have a problem with needing to provide my ID/Password for each login, but they insist on sending a secondary code for *every* login (most other cards will allow me to specify a trusted browser or at least cache the authentication for a reasonable time period). To make it even more irritable, I have to enter my password twice for their login process: Sign-in->ID->Password...Code Prompt delay...Code->Password->Logged-in (finally). What's the point of insisting on the Password a second time? It was validated before the secondary code. * They randomly disable transaction notifications: Because of the way Amazon sometimes splits charges for a single order, I rely on the credit card notifications for my bookkeeping. I was wondering why I had missed entering some charges when reconciling this last month's statement, and found that Chase decided I no longer needed to see them and disabled that notification setting. Grrrr. * They refuse to save the bank account I would prefer to use for my cashback transfers: I have tried multiple ways to link and save my checking account info, but Chase refuses to remember the bank and account info. I have to re-enter the info every time I want to do a cashback transfer. All of my other cashback cards handle linking or saving preferred external bank accounts without issue. I so wish that Amazon would change the bank they work with for their Prime Visa.

I just went thru my second battle with Chase Sapphire Reserve over services fraud. Both times I had clear evidence of the services I used were over charged on my CC yet Chase made it clear that they are not there to help. If I used a service and the company over charges, the extra charge is between me and the company. This time it may cost me $2000 from a fraudulent car rental in Florida (Sonic Car Rental, dba probably under several names, this one "Advantage" in Tampa). This was a deposit that they planned to keep for 25 business days after the car was turned in with no issues, and the high amount was because I wouldn't pay their $150/day fee for using my own "qualified" insurance. The online agreement required none of that but they had me when I needed the car and options weren't available. I explained to chase that it was just a deposit and they were keeping it too long. But chase basically said, my problem. I have a Chase Private Client account and pay $550/year for that credit card and they do nothing for me! Seriously if you have a Chase card, don't expect Chase to assist in anything. If you don't have one, go somewhere else, Chase is not your friend

New fee is now $795. One benefit, an important one, is the $300 travel credit. Well this year they say we already got it, but we did not. Have called them 3 times 1 per week, they escalated, answer very polite and apologetic, but somewhere in their company somebody does not care and nothing has been done, why?? Do they really care or just train to say 'I am sorry and do nothing'! Hard to cancel as have accumulated points and have used the points to book hotels that will use in a few months. Very frustrating. Also they have a new benefit, the Hotel Edit Program with a $200 credit if booked and they give you free breakfast and $100 to spend in the hotel, but it will NOT accumulate points if you get the $200, kind of think we are dummies. Shame on Chase for the slow response and for trying to think we just see the benefits without going in detail. Very dissappointed with Chase!!

Chase Sapphire Reserve offers Emergency Evacuation insurance, but refuses to provide a "Certificate of Insurance that the tour operator wants to prove you have coverage. They will provide for a car rental but not for evacuation? Since tour operators want proof, the coverage-which is an important part of justifying the $795 annual fee, it means you have to buy added coverage from a third party!!

Purchased 4 United Airlines tickets on the Chase UA card. The flight was canceled, so we lost a day of vacation. Filed the paperwork to show incurred expenses. As of Feb 2026, Chase UA and Virginia Surety refuse to cover any loss.

no computer online service available, with over a decade with same computer and internet I.P., without speaking and sharing private financial information with a foreign operator each time I wish to maintain my business relationship with Chase online. while all my other banks provide seamless online business, seriously considering excluding Chase from my portfolio.

Travel Insurance Benefit is an Absolute Nightmare: Over a Year of Delay Resulting in Denial The so-called "travel insurance" provided by Virginia Surety Company, Inc., as a core benefit of my Chase card, has proven to be nothing more than a cruel, bureaucratic nightmare, especially in a time of crisis. After having to cancel a trip due to the sudden, tragic illness and eventual passing of a family member—a situation that should unequivocally qualify under any reasonable policy—the claims process became an unforgivable ordeal. Despite diligently uploading all required documentation, including the tragic circumstances that led to the cancellation, my claim for non-refundable airline tickets was dragged out for over a year. The process involved endless delays, zero empathy, and frustrating radio silence, only to culminate in a final denial. This benefit is advertised as peace of mind, but in reality, it is a deliberate and cruel obstacle course designed to wear down claimants, hoping they will simply give up. For a Chase card that carries significant annual fees and purports to offer premium benefits, this abysmal claims administration is frankly embarrassing. I spent countless hours over twelve months resubmitting documents and chasing status updates, only to have the claim denied on technical grounds that fundamentally ignore the devastating reason for the cancellation. The experience, which should have been a straightforward application of a promised benefit, instead added immense stress and financial loss to an already heartbreaking family tragedy. Prospective cardholders need to understand that this benefit is functionally useless. Do not rely on Virginia Surety Company, Inc. or Chase's card benefits to be there for you when you need them most; you will lose your money, and you will be utterly let down.

We had good experience with this card for years in using the travel benefits like the lounges overseas, and getting airfare with points - then we tried to use their "travel protection." Two years ago I made a minor claim for trip cancellation and trip interruption where the international flight was delayed by a day when the luggage did not arrive for two days. I diligently kept copies of every piece of documentation available and explained why some just do not exist. Now for years I just get a run around. Then this year tried to make a claim for damage to a rental car in Spain. Again every piece of information available was provided to them. They keep asking for the exact same documentation (provided to them 4 times already!) and other documentation that again overseas just does not exist. Very disappointed. One final footnote is that the card is not very good for making hotel reservations as they cover only a small subset of hotels that apparently are available because they have plenty of capacity. Very limited choice.